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Health – Life – Disability – Long Term Care

WHAT ARE YOUR OPTIONS?

There are two options for applying for an Individual & Family plan in the state of Washington: directly with the Carrier, or through the state Exchange (WAHealthPlanFinder.org).
Generally, if you are eligible for a subsidy/tax credit, you are likely better off purchasing through the Exchange. If you’re not eligible for a subsidy, you may be better off purchasing outside the Exchange, directly from a Carrier. Either way, we can walk you through it and can work as your broker, at no cost.

ARE YOU ELIGIBLE FOR A SUBSIDY?

Use the Subsidy Calculator to the right as a starting point to help determine whether you may be eligible for a subsidy/tax credit. If you would like help on the Exchange, through www.wahealthplanfinder.org, it's helpful if you create an account, select us as your broker, then give us a call. Or give us a call first & we'll walk you through it.

WHAT MAY BE A QUALIFYING EVENT FOR ENROLLING OUTSIDE OPEN ENROLLMENT?

Loss of group coverage

26th birthday

Divorce or Marriage

Some permanent moves

Birth or adoption

Expiration of COBRA

DO YOU WANT TO PURCHASE A PLAN OUTSIDE THE EXCHANGE?

Currently there are limited options for purchasing plans outside the Exchange/Health Plan Finder. To enroll in one of these plans, use the links below:

Regence BlueShield: www.Regence.com

Kaiser Permanente: www.KP.org/Wa

Delta Dental: www.DeltaDentalCoversMe.com

VSP (Vision): www.VSP.com

Smart Smile: www.DentalHealthServices.com

DON'T HAVE A QUALIFYING EVENT?

If you need coverage outside the Open Enrollment window, we can assist you with purchasing an affordable plan to carry you through to the next Open Enrollment opportunity.
These plans are a short-term solution and can be purchased in 30-90 day segments. These are not qualified medical plans, so enrollees will be subject to the tax penalty at year end.

Why should I buy life insurance?

Many financial experts consider life insurance to be the cornerstone of sound financial planning. It can be an important tool in the following situations

Replace income for dependents

If people depend on your income, life insurance can replace that income for them if you die. The most commonly recognized case of this is parents with young children. However, it can also apply to couples in which the survivor would be financially stricken by the income lost through the death of a partner, and to dependent adults, such as parents, siblings or adult children who continue to rely on you financially. Insurance to replace your income can be especially useful if the government- or employer-sponsored benefits of your surviving spouse or domestic partner will be reduced after your death.

Pay final expenses

Life insurance can pay your funeral and burial costs, probate and other estate administration costs, debts and medical expenses not covered by health insurance.

LOOKING FOR INSURANCE FOR YOURSELF OR YOUR FAMILY?

To help us better advise you please complete the form below. Or if you prefer, feel free to call our office!

Name

Phone

Email Address

ZIP Code

Total Number of Dependents

(spouse & children)

Currently Enrolled in Health Plan Finder?

Additional Details

We just need a few more details to be able to most efficiently assist you. Please provide birth dates and smoker/non-smoker for each family member seeking coverage.

Name

Email

Phone

Occupation

Resident State

Date of Birth

Male/Female MaleFemale

Citizenship Status

Current Height

Current Weight:

Has there been major weight changes in the last 12 months?

Tobacco Usage
Do you currently use or in the last 5 yrs used any Tobacco or Nicotine based product? If yes,
provide details